Foreclosure Power Point Presentation

Report
POPULATION DATA
• Total Population (2010 census)
• Male/Female
• Average age
38,499
Almost equally split
38
LOCATION AND ROADWAY INFO
500 lane miles of roadway
HOUSING INFORMATION
• Residential Property
– Owner Occupied
11806 units
8384
• Commercial/Retail Property
1094 units
• Housing Units (buildings over 8 units)
2748 apartments
SINGLE FAMILY
MULTI-FAMILY
RETAIL PROPERTY
COMMERCIAL PROPERTY
EXAMPLE
First Mortgage
Maintenance clause
ARM rate
Second mortgage
Title
First Mortgage
Starting rate at ARM
Change for ARM
Second mortgage
WHY DO WE CARE?!?!?
• WHAT DO WE DO?????
MULTI-FAMILY HOUSING
CERTIFICATION
• No person owning a qualified multifamily dwelling in the
City of Marlborough shall, with respect to a subject
property on which the qualified multifamily dwelling is
located, enter into a purchase-and-sale agreement or sale
agreement, seek to transfer the subject property, or list the
subject property for sale with a licensed real estate broker,
unless and until such person has first obtained from the
Building Commissioner or his/her designee a certificate
regarding legal multifamily dwelling units, and has
subsequently supplied that certificate to the Marlborough
Fire Department prior to the Marlborough Fire Department
conducting an inspection of the subject property pursuant
to MGL c. 148, § 26F.
ZONING COMPLIANCE ONLY
• “This certification is for legal zoning use only.
It makes no assurance regarding compliance
with the building code, sanitary codes or other
codes and regulations as may be applicable.”
ABANDONED AND/OR FORECLOSING
HOUSING CERTIFICATION
/
It is the purpose
and intent of this article to protect and
preserve public safety and security, and the quiet
enjoyment of occupants, abutters and neighborhoods,
by: requiring all residential property owners, including
lenders, trustees and service companies, to register
abandoned and/or foreclosing residential properties with
the City of Marlborough; and regulating the maintenance
and security of abandoned and/or foreclosing residential
properties to help prevent blighted and unsecure
residences.
WORKING WITH FIRE DEPARTMENT
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(a) Any building determined to be especially unsafe in case of fire, under the provisions of
780 CMR 121.2 shall be identified and caused to be marked by the building official, with the
cooperation of the head of the fire department, to indicate the degree of hazard.
(b) In marking such buildings, the following symbols shall be used:
This symbol shall mean that interior hazard exists to such a degree that interior
operations shall be conducted with extreme caution. This symbol shall not in any way
limit the discretion of the on scene Incident Commander in directing operations that
the Incident Commander deems necessary.
This symbol shall mean that exterior or interior hazards exists to such a degree that
consideration should be given to conduct operations from the exterior only. This
symbol shall not in any way limit the discretion of the on scene Incident Commander
in directing operations that the Incident Commander deems necessary.
Locations for foreclosed property info
• Legal ads in local papers
• Massachusetts Public Notices
– http://ma.mypublicnotices.com/PublicNotice.asp
• Various law offices
– http://www.commonwealthauction.com/
– http://www.auctionsri.com/
• Secretary of States Office
– http://www.sec.state.ma.us/
CODE ENFORCEMENT IMPACT TEAM
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Code Enforcement
Board of Health
Fire Department
Police Department
Council on Aging
Jail Diversion Clinician
Housing Authority
Department of Public Works
Still not working?
• So….we did everything right but we still can’t
get anyone to do anything!
CAN’T FIND THE MORTGAGE
COMPANY?
• Secretary of States office:
– http://www.sec.state.ma.us/
– Go to your local Registry of Deeds
• Check under address (recorded vs. registered)
• Check for:
– “Order”
– “Order of Notice”
– “Complaint”
ORDER OF NOTICE
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Harmon Law
Ablitt Law
Korde & Associates
Michienzie & Sawin, LLC
(617) 558-0500
(781) 246-8995
(978) 256-1500
(617) 227-5660
BUT WE DON’T OWN IT YET
• Title Theory vs. Lien Theory
WHEN NOTHING WORKS
Non-criminal citations
Housing Court
District Court
Ticketing
• 21D procedures
– Non-criminal citations can be moved to criminal if
court determines in a “show cause” hearing
– Once tickets have been moved to criminal it must
be handled by the DA’s office.
RECEIVERSHIP
http://www.mass.gov/ago/
CONTACT
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PAMELA A. WILDERMAN
CODE ENFORCEMENT OFFICER
508 460-3765
[email protected]

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